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Consumer Reports is an independent nonprofit organization that works for a fair, safe and transparent marketplace.

Since we were founded as Consumers Union in 1936, we have advocated for the rights of all consumers. Now, we are united under the Consumer Reports name, bringing together our trusted testing, research, journalism, and advocacy.

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Consumer Criteria for Value-Based Insurance Designs

The California Health Benefit Exchange (Covered California) may allow Qualified Health Plans to vary from the standard benefits package that will be offered all enrollees, through value-based insurance design (VBID) options. VBID incorporates financial incentives into health insurance cost-sharing approaches to encourage healthy outcomes. Consumers Union has developed a set of criteria that Covered California and other Exchanges should use to evaluate whether the proposals are in the best interest of consumers.

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